What Things Cost: Healthcare

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Back in July, I had a sudden, severe headache and thinking I was having or about to have a stroke, I went to my local, rural emergency room. Thankfully, not a stroke, but very high blood pressure, now resolved with a combination of mainstream and alternative medical intervention.

My bill for that emergency room visit was $4300. Ouch.

But when my insurance explanation of benefits arrived, I saw that the discount to my insurance was more than 75 percent. Actual payment for the visit was less than $1,000.

So I was dismayed when I read a financial agreement at a new-to-me medical practice. I’m paraphrasing, but it basically said, if your insurance doesn’t pay within 60 days, you pay in full.

Yes, the IN FULL was the kicker. Why am I–a not-rich individual–expected to pay full-bore? Why don’t I get a discount?

Consistent with my resolution to complain when things seem wrong, I added an objection to the financial agreement and only then signed it.  Hopefully, my insurance will pay within 60 days …